Piazza, Kristy Sims

JOHN PICKERING is a Partner in the Birmingham office of Balch & Bingham LLP. He is the leader of the firm's Real Estate, Credit and Commercial Practice Group. He concentrates his practice on real estate and commercial lending, factoring, secured transactions, loan restructurings and real estate development. His clients include large and small banks, commercial finance companies, and other businesses, and he assists them with various types of transactions, procedures, regulatory compliance, and new product development.

John has experience in the following areas:

Commercial Lending: Lender and borrower representation on asset-based credit facilities; form document development and drafting for asset based lending and factoring; UCC Revised Article 9 implementation

Real Estate Lending and Development: Lender, borrower and letter of credit bank representation on real estate loans and municipal bond and tax-free financings for development of multi-family housing (including Low-Income Housing Tax Credit and HOME projects), residential subdivisions, churches, warehouses and office buildings; developer representation in land acquisition and subdivision and hotel development.

Leasing: Review and negotiation of office and retail real estate leases

Usury: Multi-state analysis and planning for commercial usury compliance

Payment Systems: New product launch, agreement drafting and dispute resolution (including Check 21, paper checks, credit cards, debit cards, payroll cards, automated clearinghouse transfers, and electronic bill presentment)

Bank Branching: Bank representation in branching applications and issues.